Hi Brig I apologise if I am sending this post twice I just wanted to see if all pages of CCA I uploaded has been received , total uploaded 12 pages thank you

Hi Brig you mention without seeing the recon , can not judge for its validity ,can I assume that what I have received from crud and uploaded for your advice is not even a recon CCA ? Please kindly advise and thank you

The file you uploaded - it is a PDF... i.e filename.PDF

 

Since the account was started pre April 2007, they will need the original agreement if they want to get a judgement (but you must defend a claim or they will get judgement by default).

 

They didn't tell you in the letter if the original is available. I suspect not.

 

I am no expert but I don't think the recon is compliant either. No name, address, account number and a credit limit of 0..? Brig - you said it is a recon but do you think it is compliant?

Hi bandit 127 thank you for your reply , no they have not stated that whether the origional is available or not nor they have said what they sent is a recon thank you again

Hi Brigadier2JCS thank you for your reply ,

account was opened with Associates in 1997 sorry I don't know the exact date ,

I have not acknowledge my debt in writing,

I paid Associates ( Citi) until 17 months ago and only for 4 months

I paid them at reduced rate as I became in financial difficulty towards the end .

I stopped my payments as Citi wrote me that my account has been transferred to opus

where payments should be sent upon receiving an introdutionary pack from opus which I never received.

What I meant is can they sell my account before trying to collect payments themselves ?

As soon as Crud contacted me 4 months ago I started paying 100 pounds a month and now have made 4 payments despite Crud is wanting 680 a month.

I am so sorry that this letter is so long ,

I am really worried sick ,

do you think they can make me bankrupt because I cant afford more than 100 pounds monthly thank you very much

The stuff in the PDF - is that all you got? Check it - any pages missing?

Hi Bandit127 thank you for your reply please explain what PDF stands for sorry for my ignorance

Hi guys

I also need to explain that I had citi card which I was paying but a year and a half years ago

I became to financial difficulty and citi accepted reduced payments

I was glad until 17 months ago when citi advised that my account would go to opus ,

I did not hear from opus and as the result I did not make payments, about 4 months ago

I had a letter from 1st credit with assignment notice and 1st credit asking for a lot of money per month that I can not absolutely afford

I have offered 100 pounds per month but 1st credit is not accepting although I have been paying and they are threatening me with bankrupcy

because I have equity in my joint name mortgage in our house .

Reading the forums I CCA ed 1st credit and I have uploaded for your help,

I believe opus has defaulted for selling my debt to 1st credit without any contact at all with me first?

Please help and your advice would be very much appreciated

thank you

Dear Daverules thank you for your reply would you also let me know if the CCA I forwarded is enforceable or not thank you very much

Hi guys, sorry i have not been in touch - I have a copy of my CCA here now (hopefully!)

Any feedback very welcome

BTW they received my request 31st may and the postmark on the envelope they replied with is 01st August? were they in breach of any response guidelines?

Thank you very much

CCA.pdf

Hi BRIGADIER2JCS I have now looked at the CCA supposed to be and the first page has my name and address and citi name and address , there is only one terms & condition , interest rate but no signatures 12 pages of it please advise thank ever so much

Hi BRIGADIER2JCS thank you very much for reply when I get home I will look at the so called CCA for t&c etc and will post you and your advice would be very much appreciated thank you again

try and upload the main so called CCA1974 minus your personal details/bar codes, page 1 even if says application form for peeps to see and advise.

Hi MIKE770 thank you very much for your reply I will have access to a scanner next week when I send the so called CCA thanks again

Thank you for your reply may be it is reconstituted CCA although it does not say , is reconstituted CCA valid by law and what should be my reply to 1st credit they are threatening me with bankrupcy please help thank you very much

hi guys I am new to cag and would appreciate for your help , I sent a CCA request to 1st credit two months ago and now I have received 15 pages of supposed cca with no signature ,can anyone advise what I need to do thank you very much.